Excerpt from Co-Operation as a Business
The idea of combining small capitals and minute savings into a fund that might be used to build a home, buy bread and cheese, pay the doctor, start a shop and insure against death and accident has always been attractive to all who desired to benefit the people. This idea, under various names, has been made the theme of a great number of experiments most of which have failed and a few of which have proved of the greatest value to society. Under the general name of "co-operation," the idea of association for mutual saving and earning has proved of more real use to the people than any system of economy yet proposed. It has built many hundred thousands homes, saved tens of thousands for people who really needed the help, it has taught more than a million people, economy and fair dealing and has educated their children in prudence, thrift and self-respect. Moreover, it is beginning to have an influence upon trade and commerce that cannot fail to be of the greatest importance.
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